| Metric | Lafcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.1% | -6.7 pts |
| Share growth (YoY) | -2.6% | +4.9% | -7.5 pts |
| Loan growth (YoY) | +1.6% | +5.4% | -3.9 pts |
| ROA | 0.36% | 0.71% | -0.4 pts |
| ROE | 1.7% | 6.3% | -4.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.14B | $902.9M | $784.3M | $231.9M | $1.0M | 0.36% | 4.53% | 1.05% | 73,193 |
| Q4 2025 | $1.14B | $907.7M | $792.0M | $230.9M | $6.4M | 0.57% | 4.35% | 1.35% | 73,484 |
| Q3 2025 | $1.14B | $907.2M | $786.3M | $233.6M | $7.0M | 0.82% | 4.29% | 1.30% | 73,562 |
| Q2 2025 | $1.15B | $918.0M | $778.3M | $232.1M | $5.6M | 0.98% | 4.21% | 1.15% | 73,538 |
| Q1 2025 | $1.15B | $927.5M | $772.2M | $229.0M | $2.5M | 0.86% | 4.11% | 1.15% | 73,456 |
| Q4 2024 | $1.13B | $905.9M | $781.7M | $226.5M | $108.0M | 9.56% | 3.81% | 1.69% | 74,543 |
| Q3 2024 | $1.12B | $892.1M | $793.3M | $233.0M | $112.3M | 13.36% | 3.74% | 1.40% | 74,055 |
| Q2 2024 | $1.13B | $904.8M | $796.2M | $227.9M | $107.2M | 19.02% | 3.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Lafcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.71% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 6.3% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.46% |
| 74,390 |
Loan mix (Q1 2026): real estate $205.7M · commercial $81.6M · consumer $470.5M · securities $188.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 73.0% | 79th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lafcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lafcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lafcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lafcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.